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    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
    • In a letter sent to customers in the past few days, the bank has said that 'following a review', rates on two mainstream instant access accounts will be slashed to 0.05 per cent from August 12. View the full article
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Idem Claim form - Lloyds Loan -***Claim Discontinued***

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Ok, I have a small admission to make..


It wasn't a defence I submitted,


I went against the advice offered and made an application to the court for a directions order without a hearing.


I admit this was a gamble but for me personally it seemed the best option available.


The court have now approved the draft order and the DCA have 7 days left to disclose the docs they're relying on

or their claim will be struck out.


Please could anyone advise on whether there is any way to stop this for good following strike out?


What if it's sold on?Thanks

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I haven't posted for a while..


I submitted my defence before the deadline, I also wrote a letter to the sols asking for disclosure of the docs metioned in the PoC under CPR.


They replied saying they required 14 days and could I ask for an extension. - I ignored their request as I'd covered non disclosure in my defence.


I checked that the defence was with the court on the Royal Mail Tracking Website and it was.


All went quiet so I called the court after about a month and was told it was still waiting to be looked at.


Today I have received a letter from Arden stating that my debt will be passed to Wescot within 5 days of the date of the letter which is dated 27th June, so basically it's happening today. It doesn't say it's been sold, just passed to Wescot to be collected on their behalf.


WTF?? :!:


I'm guessing Wescott are still under the Paragon umbrella?


Surely they can't do this while my account is in dispute with pending court action?


Any pointers on a course of action here please?




So all the above is fictitious ?

We could do with some help from you.



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No, All is factually correct except I submitted an application for a directions order rather than a defence.The delay in my application being processed was due to the court filing my application rather than passing it to the DJ.I've spoken to Wescot and told them I won't deal with them while court action is in progress. They've acknowledged this in writing.Idem now have 7 days to comply with the court order. (They were given 14 days.)

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Today I received a letter from the DCAs Sols stating they have enclosed a copy of the notice of discontuance. - Nothing was actually enclosed with their letter. :!:


I will obviously write back pointing out their error but is there anything I could include to make this go away for good? It's blindingly obvious they haven't got the docs they'd be relying on but I bet it won't stop them having another go or selling this on. - What can I do to put a stop to this please?




PS. If their letter is a bluff the clock is still ticking on the court order. - (Produce docs or face strike out.) So either way I win this round.:whoo:

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  • 1 month later...

I've finally got proof of the discontuance notice.


I was thinking of claiming costs due to their unreasonable behaviour under CPR 27.14 (2) (g)


Is there a cost claim template and an up to date hourly rate posted anywhere please?



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Wasted costs do not apply to Small Claim Track ..though technically this was never tracked but would be treated as a SCT irrespective.


Well done on the result though and I will amend your thread title to reflect the outcome.





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  • 8 months later...

I received this letter too.

So it wasn't genuinely from BlackHorse then.




I wrote a letter to Arden (sent recorded) stating that I had already requested that Idem should stop calling and I also mentioned that I had requested a Notice of Assignement and made a CCA request to Idem.


I received a acknowledgement letter stating that they were looking into my complaint and I have now received a letter which is their final response to my 'complaint'.


The letter states... "Lloyds TSB has written to you and advised you that all of its respective rights, title and interest in respect of your account , including the outstanding balance, have been assigned to Idem Capital Securities Ltd" bla bla. - INCORRECT! Idem sent me something that they'd knocked up to look like it was from Lloyds.


The letter also states that a copy of the Lloyds letter and also a copy of their 'Welcome letter' is enclosed but the only thing enclosed was a FOS leaflet. NO LETTERS!


It goes on to say... "I have requested a copy of your loan agreement and T's & C's from Lloyds and once it is received it will be sent to you. We are confident that the agreement is wholly enforceable and therefore you must take whatever action you consider appropriate, but we will not be releasing you from any obligation."


They obviously didn't read my letter properly as I didn't ask them for anything other than to stop calling. I simply told them I had already made requests to Idem.


My original CCA request and NoA request was received (recorded proof) at Idems office on 5th August so 12 + 2 means that they have defaulted as of last week. Should I write back to them pointing out their incompetence or sit out the 30 days and hit them then?


Thanks for reading!:-)

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